The content of the invention
The embodiment of the present application provides a kind of electronic data processing method, to realize automatic treasury management services' work(
Can, platform processes burden is reduced, Internet resources are saved.
The embodiment of the present application provides a kind of electronic data processing method, including:
Server determines account balance and history balance data of the user in e-commerce platform;
The server is received according to the user of determination in the account balance and history of e-commerce platform
Branch data, are user generation financing scheme, and the financing scheme of generation is pushed to the visitor of the user
Family end;
The client receives the financing scheme of the server push, and by the financing scheme on foreground circle
Face is shown.
Alternatively, the financing scheme is shown by the client at foreground interface, including:
On foreground the financing scheme information of at least one way to manage money of interface display, display confirm and cancel press
Button, and editting function is provided, the financing scheme information is confirmed so as to the user, cancel or
Modification;At least one way to manage money includes current and managed money matters and/or periodically financing.
Alternatively, methods described can also include:
In the user to being changed after the financing amount of money of foreground interface display confirms, or in the user
The complete financing amount of money in foreground interface display and after being confirmed, shows that specific finance product is believed to user
Breath, so that user is selected.
Alternatively, the server according to the user of determination in the account balance of e-commerce platform and
History balance data, is user's generation financing scheme, including:
If the account balance of the user is less than given threshold, for user generation current financing scheme;
If the account balance of the user is more than or equal to given threshold, for user generation current financing
Scheme and periodically financing scheme.
The embodiment of the present application provides a kind of electronic data processing method, including:
Server determines account balance and history balance data of the user in e-commerce platform;
It is institute according to the user of determination in the account balance and history balance data of e-commerce platform
User's generation financing scheme is stated, and the financing scheme of generation is pushed to the client of the user.
Another embodiment of the application provides a kind of electronic data processing method, including:
User end to server sends financing scheme and obtains request;
The financing scheme of the server push is received, and the financing scheme is subjected to exhibition at foreground interface
Show.
The embodiment of the present application provides a kind of electronic data processing system, and the system includes server and client side,
Wherein:
The server determines account balance and history balance data of the user in e-commerce platform, according to
The user determined, in the account balance and history balance data of e-commerce platform, is user's life
Into financing scheme, and the financing scheme of generation is pushed to the client of the user;
The client receives the financing scheme of the server push, and by the financing scheme on foreground circle
Face is shown.
The embodiment of the present application provides a kind of electronic data processing equipment, including:
Determining module, for determining account balance and history balance data of the user in e-commerce platform;
Send processing module, for the user according to determination in the account balance of e-commerce platform and
History balance data, is user's generation financing scheme, and the financing scheme of generation is pushed into the use
The client at family.
Another embodiment of the application provides a kind of electronic data processing equipment, including:
Sending module, request is obtained for sending financing scheme to server;
Receive display module, the financing scheme for receiving the server push, and by the financing scheme
It is shown at foreground interface.
The embodiment of the present application can combine account balance and history revenue and expenditure number of the user in e-commerce platform
According to, be user generation financing scheme.Here, the history balance data based on user can predict user's future
The income branch artificial situation of a period of time, so that rationally being designed for user can be lived in total account balance
The amount of money of term financing and the amount of money periodically managed money matters.So, user can adopt what the application was automatically generated
Financing scheme is managed money matters.Further, since the e-commerce platform of the embodiment of the present application can provide the user compared with
For rational financing scheme, platform is asked to be managed money matters because financing scheme is unreasonable so as to reduce user
The situation of transfer, and then platform processes burden is reduced, save Internet resources.
Embodiment
The embodiment of the present application is described in further detail with reference to Figure of description.
As shown in figure 1, the electronic data processing method flow chart provided for the embodiment of the present application, including it is following
Step:
S101:User end to server initiates financing scheme and obtains request.
Here, the client can refer to the client of e-commerce platform, and the server can refer to electronics
The server of business platform.E-commerce platform in the embodiment of the present application includes payment platform, except this it
Outside, can also including shopping platform etc. service platform.User can be in e-commerce platform payment platform
Login account, and idle money was stored in the account, payment platform, which is removed, can provide the user payment services
Outside, treasury management services can also be provided the user.
In specific implementation, automatic treasury management services' button can be provided in client, after user clicks on,
User end to server initiates financing scheme and obtains request.
S102:Server determines account balance and history balance data of the user in e-commerce platform.
Here, server is obtained from database and used after the financing scheme for receiving client obtains request
Account balance and history balance data of the family in e-commerce platform.Here account balance is that user exists
The fund that e-commerce platform can be used.
User the history balance data of e-commerce platform be included in payment platform Historical revenue data and
History pays data.Specifically, for payment platform, the Historical revenue data can include financing income
The data such as the amount of money and time, the amount of money for income of transferring accounts and time, history expenditure data include expenditure of transferring accounts
The data such as the amount of money and time.For shopping platform, the Historical revenue data can include transferring accounts income (such as
Sell income obtained by article) the amount of money and the data such as time, history expenditure data are included in shopping platform
The data such as spending amount, consumption time.
S103:Server according to the user of determination e-commerce platform account balance and history revenue and expenditure number
According to generating financing scheme for the user, and the financing scheme of generation is pushed to the client of the user.
In specific implementation, if the account balance of user is less than given threshold, it can be determined for user using work
The way to manage money of term financing;If the account balance of user is more than or equal to given threshold, true for the user
Surely by the way of current financing scheme and regular financing scheme are combined.
Such as, if the account balance of user is M, if M<D (given threshold), then automatically generate current
Financing scheme, can specifically advise user by the input current financing of whole account balances.If M >=D, give birth to
Survive two kinds of term financing scheme and regular financing scheme.
Alternatively, as a kind of embodiment, if M >=D, current financing can be generated according to following steps
Scheme and periodically financing scheme:
A), according to the user of determination e-commerce platform history balance data, and user credit etc.
Level, the amount of money of current financing is determined for the user;Wherein it is determined that the current financing the amount of money be less than or wait
In the account balance;
B), according to the user of determination e-commerce platform account balance, and for the user determine work
The amount of money of term financing, the amount of money for determining periodically to manage money matters for the user.
Such as, in a), first according to user in nearest preset time period (such as nearest one month)
History balance data, the Fitting Calculation user interior daily net disbursement amount of money (daily branch at following one week
Go out the amount of money and subtract amount received, if difference is negative value, 0) the net disbursement amount of money of this day be designated as, will be daily
The net disbursement amount of money be added be used as the net disbursement amount of money m1 in following one week.Rolling average can specifically be passed through
Mode be fitted, such as will be added in the daily net disbursement amount of money of 2015-2-1~2015-2-7 as not
Carry out the 2015-2-8 net disbursement amount of money, make being added in the net disbursement amount of money daily 2015-2-2~2015-2-8
Net disbursement amount of money for following 2015-2-9 etc..
The credit score of all users is divided into N (N is the integer more than 2) individual grade, the user is calculated
Credit score where credit grade L, it is assumed here that credit grade is higher, correspondence credit score it is higher, such as
L ∈ 1%, 2% ..., 10%, then m1 × (1+L) be less than or equal to account balance size bar
Under part, the amount of money that m1 in user account remaining sum × (1+L) amount of money is managed money matters as the current of recommendation.If
The size that obtained m1 × (1+L) is more than account balance is calculated, then the amount of money size for the current financing recommended
Equal to the size of account balance.
In b), it is assumed that account balance is M, then the amount of money size for the regular finance product recommended to user
For M-m1 × (1+L).
S104:The financing scheme that client the reception server is pushed, and the financing scheme is entered at foreground interface
Row displaying.
In specific implementation, client can at least one way to manage money of foreground interface display financing scheme
The button that information, display confirm and cancelled, and editting function is provided, so that user is believed the financing scheme
Breath is confirmed, cancelled or changed;At least one way to manage money includes current and manages money matters and/or periodically manage
Wealth.The financing scheme information can include the financing amount of money, one in the financing time limit and finance product information etc.
Plant or a variety of.As shown in Fig. 2 be the button of managed money matters in foreground the interface display amount of money, display confirmation and cancellation,
And the schematic diagram of editting function is provided.As shown in figure 3, except manage money matters the amount of money in addition to, can also show finance product,
The financing such as financing time limit scheme information, can also allow user's input specific to the financing gold of every kind of finance product
The information such as volume.
Alternatively, gold of being managed money matters in financing scheme can also be only shown in the page is recommended in the financing that first time is presented
Volume information, in user to having been changed after the financing amount of money of foreground interface display confirms, or in user
The financing amount of money of foreground interface display and after being confirmed, specific finance product and financing phase are shown to user
The information such as limit, so that user is selected.
Here, can be according to different periodically finance products specifically when determining periodically financing scheme for user
Earning rate, the order successively decreased according to earning rate arranges the regular finance product pushed;Or, it is fixed according to difference
In the financing time limit of term financing product, arrange what is pushed according to the order of financing time limit from long to short or from short to long
Regular finance product.
The embodiment of the present application can combine account balance and history revenue and expenditure number of the user in e-commerce platform
According to, be user generation financing scheme.Because the history balance data based on user can predict user's future one
The income branch artificial situation of section time, and financing side can rationally be designed for user based on the income branch artificial situation
Case.Because e-commerce platform can provide the user relatively reasonable financing scheme, so as to reduce use
Family because financing scheme is unreasonable ask platform carry out financing transfer situation, and then reduce platform processes bear
Load, saves Internet resources.
Based on same inventive concept, a kind of and electronic data processing method pair is additionally provided in the embodiment of the present application
The electronic data processing system and device answered, because the principle and the application of the system and device solution problem are real
Apply that an electronic data processing method is similar, therefore the implementation of the system and device may refer to the implementation of method,
Part is repeated to repeat no more.
As shown in figure 4, the electronic data processing system 40 provided for the embodiment of the present application, the system 40 is wrapped
Server 41 and client 42 are included, wherein:
The server 41 determines account balance and history balance data of the user in e-commerce platform,
It is user's life according to the user of determination in the account balance and history balance data of e-commerce platform
Into financing scheme, and the financing scheme of generation is pushed to the client of the user;
The client 42 receives the financing scheme of the server push, and by the financing scheme preceding
Platform interface is shown.
Alternatively, the client 42 specifically for:
The button that the financing amount of money of at least one way to manage money of interface display, display confirm and cancelled on foreground,
And editting function is provided, so that the user is confirmed, cancelled or changed to the financing amount of money;Institute
At least one way to manage money is stated to manage money matters including current and/or periodically financing.
Alternatively, the client 42 is additionally operable to:
In the user to being changed after the financing amount of money of foreground interface display confirms, or in the user
The complete financing amount of money in foreground interface display and after being confirmed, shows that specific finance product is believed to user
Breath, so that user is selected.
Alternatively, the server 41 specifically for:
If the account balance of the user is less than given threshold, for user generation current financing scheme;
If the account balance of the user is more than or equal to given threshold, for user generation current financing scheme
With regular financing scheme.
In the electronic data processing system that the embodiment of the present application is provided, server can combine user in electronics business
The account balance and history balance data of business platform, are user's generation financing scheme.Due to based on user's
History balance data can predict the income branch artificial situation of user's following a period of time, and based on income expenditure
Situation can rationally design financing scheme for user.More closed because e-commerce platform can be provided the user
The financing scheme of reason, asks platform to carry out financing transfer so as to reduce user because financing scheme is unreasonable
Situation, reduce platform processes burden, save Internet resources.
As shown in figure 5, the electronic data processing equipment 50 provided for the embodiment of the present application, including:
Determining module 51, for determining account balance and history revenue and expenditure number of the user in e-commerce platform
According to;
Processing module 52, for the user according to determination to be in the account balance of e-commerce platform and goes through
History balance data, is user's generation financing scheme, and the financing scheme of generation is pushed into the user
Client.
Alternatively, processing module 52 specifically for:
If the account balance of the user is less than given threshold, for user generation current financing scheme;
If the account balance of the user is more than or equal to given threshold, for user generation current financing scheme
With regular financing scheme.
As shown in fig. 6, the electronic data processing equipment 60 provided for another embodiment of the application, including:
Sending module 61, request is obtained for sending financing scheme to server;
Display module 62, the financing scheme for receiving the server push, and the financing scheme is existed
Foreground interface is shown.
Alternatively, display module 62 specifically for:
The button that the financing amount of money of at least one way to manage money of interface display, display confirm and cancelled on foreground,
And editting function is provided, so that the user is confirmed, cancelled or changed to the financing amount of money;Institute
At least one way to manage money is stated to manage money matters including current and/or periodically financing.
Alternatively, display module 62 is additionally operable to:
In the user to being changed after the financing amount of money of foreground interface display confirms, or in the user
The complete financing amount of money in foreground interface display and after being confirmed, shows that specific finance product is believed to user
Breath, so that user is selected.
It should be understood by those skilled in the art that, embodiments herein can be provided as method, system or meter
Calculation machine program product.Therefore, the application can be using complete hardware embodiment, complete software embodiment or knot
The form of embodiment in terms of conjunction software and hardware.Wherein wrapped one or more moreover, the application can be used
Containing computer usable program code computer-usable storage medium (include but is not limited to magnetic disk storage,
CD-ROM, optical memory etc.) on the form of computer program product implemented.
The application is produced with reference to according to the method for the embodiment of the present application, device (system) and computer program
The flow chart and/or block diagram of product is described.It should be understood that can by computer program instructions implementation process figure and
/ or each flow and/or square frame in block diagram and the flow in flow chart and/or block diagram and/
Or the combination of square frame.These computer program instructions can be provided to all-purpose computer, special-purpose computer, insertion
Formula processor or the processor of other programmable data processing devices are to produce a machine so that pass through and calculate
The instruction of the computing device of machine or other programmable data processing devices is produced for realizing in flow chart one
The device for the function of being specified in individual flow or multiple flows and/or one square frame of block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or the processing of other programmable datas to set
In the standby computer-readable memory worked in a specific way so that be stored in the computer-readable memory
Instruction produce include the manufacture of command device, the command device realization in one flow or multiple of flow chart
The function of being specified in one square frame of flow and/or block diagram or multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices, made
Obtain and perform series of operation steps on computer or other programmable devices to produce computer implemented place
Reason, so that the instruction performed on computer or other programmable devices is provided for realizing in flow chart one
The step of function of being specified in flow or multiple flows and/or one square frame of block diagram or multiple square frames.
Although having been described for the preferred embodiment of the application, those skilled in the art once know base
This creative concept, then can make other change and modification to these embodiments.So, appended right will
Ask and be intended to be construed to include preferred embodiment and fall into having altered and changing for the application scope.
Obviously, those skilled in the art can carry out various changes and modification without departing from this Shen to the application
Spirit and scope please.So, if these modifications and variations of the application belong to the application claim and
Within the scope of its equivalent technologies, then the application is also intended to comprising including these changes and modification.